Employee Benefits
guiding Employers In Canada with
Group Benefit Plans
Shelter Bay is an insurance brokerage located in British Columbia, serving many provinces in Canada. Our professionals are dedicated to helping your business put employee benefits in place. We work diligently to offer a variety of group insurance plans including dental coverage and extended health benefits. Whether you are looking to protect yourself and your spouse or your employees, an advisor at Shelter Bay can provide you with the information and insights you need to get the protection and health coverage you want. Our brokerage company proudly serves clients in British Columbia, Saskatchewan, Manitoba, Ontario and Alberta.
Helping Employers Protect
Themselves & Their Employees
At Shelter Bay, we’d created a buying advantage for our customers through a group purchasing program. We strive to meet our clients’ needs by providing insurance information, services and coverage at a lower premium. Our brokers don’t believe in compromising the health coverage of the benefits package an employer offers its employees. If you are interested in learning more about our group benefit plans or have a question about the program, contact us today. One of our brokers is ready to offer all the information you need to elevate your company’s health benefits.
Comprehensive group coverage for
health, dental, & beyond
Group Health Benefits
This is the core of most Canadian employee benefits plans.
Covers prescription drugs, paramedical, & medical expenses
Helps reduce employees’ out-of-pocket healthcare costs
Can be tailored with deductibles, co-pays, and coverage limits
Group Dental Benefits
Dental coverage is commonly included alongside extended health benefits.
Covers preventive care such as exams, cleanings, and x-rays
May include basic and major restorative services
Often structured with annual maximums and reimbursement percentages
Group Life Insurance and AD&D
Provides financial protection for employees’ families in the event of death or serious accident.
Basic coverage is often 1x salary (sometimes more)
AD&D pays in the event of accidental death or covered serious injury
Optional and dependent coverage may be available
Short and Long Term Disability
Protects employees’ income if they are unable to work due to illness or injury.
Short-term disability covers temporary absences
Long-term disability provides extended income replacement
Typically replaces a percentage of salary after a waiting period
Critical Illness Insurance
Provides a lump-sum payment if an employee is diagnosed with a covered serious condition.
Pays upon diagnosis of conditions such as cancer, heart attack, or stroke
Funds can be used for medical or personal expenses
Coverage complements health and disability benefits
EAP, HSA, and WSA
Flexible benefits that support overall employee wellbeing.
EAP offers confidential counselling and support services
HSA allows employees to claim eligible medical expenses tax-effectively
WSA reimburses wellness-related expenses based on employer design
Work Directly With the Expert
About Us
Shelter Bay Financial is a small firm based in B.C., and that’s by design. When you call, you speak directly with Tom — a Certified Financial Planner who specializes in insurance planning for business owners and actually knows your file. We work with companies across BC, Alberta, Saskatchewan, Manitoba, and Ontario, supporting teams from 3-person shops to 100-employee operations in nearly every industry except financial services.
go further with our other solutions
Beyond standard benefits
corporately owned insurance
Corporately Owned Life Insurance (COLI) is designed to protect your business and its key stakeholders. These policies provide financial security in the event of the death of a shareholder, owner, or key employee, helping cover business obligations, maintain stability, and ensure continuity.
GROUP RETIREMENT & PENSION
Group retirement plans give employees the opportunity to save for their future while providing businesses with a valuable recruitment and retention tool. Whether through pensions, RRSPs, or other registered plans, these programs are flexible and can be tailored to meet both your employees’ needs and your company’s budget. Shelter Bay guides you through plan selection, implementation, and ongoing management to make sure your retirement benefits are effective and easy to administer.
Our buying advantage:
group purchasing program
Small and medium-sized companies benefit from our volume buying program. With us, setting up a new employee plan or fixing an existing program has never been easier. Enjoy the benefits of bulk buying and leverage the purchasing power of many groups. You’ll have the same advantage and influence as a very large business with many employees.
We Buy A Large Volume At Lower Rates So You Save
Our buying program lowers the normal operating cost of a benefits plan. With our buying group, your TLR is 80% (20% operating cost). You get the same or better service, benefit levels and coverage.
With our volume buying program, the insurance carrier takes less margin on the larger group and everyone benefits. The savings are significant.
Compare With No Obligation To Change
Our group benefits advisors will review your existing plan with no obligation or expected commitment. We’ll either reinforce the advice you’re currently receiving and your diligence will be complete – or you may see that buying better will save your company a lot of money.
Same Benefit Levels – Lower Premiums.
Our employee benefits plan value proposition is this simple:
- Experience – hundreds of employee benefit plans and growing.
- Lower Price – with volume savings, up to 25% less for the same employee benefits plan.
- Service – We have highly trained administrative staff to assist you with all questions.
Employee Benefits Consulting & Management Services:
- Annual review of benefits relative to industry trends.
- Reckless driving
- Independent audit of your existing plan.
- Contractual negotiation with insurers and tendering of group insurance contracts.
- Cost containment strategies and alternative funding methods.
- Employee educational sessions.
- Plan administration support.
GROUP HEALTH GUIDE
Need More information?
If you want to dive deeper into the full range of benefits and how they work for your employees? Our Group Health Survival Guide provides a detailed look at the quote process and step-by-step guidance to help you choose the right plan.
Specializing in custom business solutions
BOOK A CALL TODAY
Located in British Columbia, our insurance brokers at Shelter Bay strive to provide an excellent level of customer service as well as customized insurance solutions for each and every client. We offer the most diverse products in the industry and we are contracted by some of the top leading insurance carriers in Canada.
